Mifos Pay v4.

0
Modular KMP-Based Digital Payments
Platform
Dushyant Bhardwaj
Name

Email ID [email protected]

8588802630
Phone Number

DushyantBhardwaj1
GitHub ID

.negative_1
Discord ID

Current occupation Student

NSUT Delhi
Education Details
BTECH
Computer Science Engineering with Spec. Data
Science

Languages: C++, Python(basics), Kotlin, HTML

Technical skills with level
Developer Tools: Android Studio (gradle), Vs Code,
Replit, Github Copilot
Frameworks: Jetpack Compose Cloud/Databases:
Git, Git Bash, FireBase, mySql (beginner)
Summary
This project is on the creation of Mifos Pay v4.0, an open-source digital payment and mobile
wallet system that is focused on achieving financial inclusion in the emerging markets. It is
developed under the Mifos Initiative and targets the unbanked and underbanked communities
through secure, effective, and accessible digital financial services.

My solution focuses on improving modularity, cross-platform compatibility, and localization.

Based on Kotlin Multiplatform (KMP), the system will comprise a generic payment module for
merchants to easily integrate with SDK, a sandbox environment for interoperable loan
application routines, and a country-based payment provider system to enable dynamic local
gateway support. Besides that, an auto-pay module will also be created for automatic bill
payments with configurable scheduling and secure transaction logic.

The platform will be open-sourced to promote adoption and innovation, enabling scalable and
interoperable digital finance solutions worldwide. This project well complements digital financial
inclusion by streamlining integration for service providers and providing a user-friendly
experience for end consumers.

Project Detail

1. Project Overview:

The Mifos Pay v4.0 project aims to enhance an open-source mobile wallet and digital
payments platform designed for underserved populations in emerging markets. It is part
of the Mifos Initiative’s broader goal of driving financial inclusion. The project includes
developing reusable and flexible Kotlin Multiplatform (KMP) modules and dynamic
integrations to support varied financial use cases. Key requirements include:

 Generic KMP Module for Merchant Payments: A pluggable, reusable module to allow
integration with any merchant SDK for seamless transactions across different services.
  KMP Sandbox for Loan Applications: A generic and extensible testing environment
that allows integration with multiple lenders using a standardized interface.
 Country-Specific Payment Provider Integration: A dynamic module to connect users
with valid local payment gateways based on their geolocation, ensuring regulatory and
functional compatibility.
 Auto-Pay Bills Module: A feature to enable automated recurring payments with
configurable logic, provider selection, and secure execution.
These components aim to create a localized, adaptable, and secure platform that simplifies
digital transactions, promotes credit access, and improves financial participation for
marginalized communities.

Issues that might come up and the support needed from the org
(if any):

 KMP Complexity and SDK Integration:

 Integrating diverse merchant SDKs and payment providers across platforms may
introduce inconsistencies in data handling or API behavior.
 Kotlin Multiplatform tooling might face compatibility issues with some native
SDKs.
 Sandbox Loan Interface Challenges:
 Aligning different lenders' APIs and requirements into a single standard interface
could be complex.
 Testing across real-world use cases may require domain-specific insights and
sample lender datasets.
 Geolocation and Compliance:
 Dynamic integration of country-specific gateways could raise regulatory or
compliance hurdles.
 Support may be needed for legal/regulatory consultation and access to country-
specific payment systems.
 Auto-Pay Risk and Scheduling:
 Handling failed transactions, schedule drift, or time zone inconsistencies in auto-
payments could impact reliability.
 Additional testing infrastructure or mock environments may be required.
 Security and Data Privacy:
  Ensuring secure handling of sensitive financial data, especially in unregulated or
loosely regulated regions.
 Assistance may be needed with setting up security certifications or compliance
frameworks (e.g., PCI DSS).

Solutions:

 Modular KMP Design:

 Architect modules using a clean interface-driven design pattern to isolate
platform-specific dependencies.
 Leverage Kotlin's expect/actual declarations for maintaining compatibility across
Android, iOS, and web backends.
 Standardized Loan Sandbox Protocol:
 Design a unified loan request/response schema (e.g., using Protobuf or JSON
schemas) to abstract lender-specific logic.
 Include extensive documentation and a test suite for lenders to self-integrate.
 Dynamic Payment Gateway Layer:
 Use a pluggable adapter architecture for payment provider integration with
country codes mapped to corresponding gateway plugins.
 Include fallback mechanisms and logging for unsupported regions or failed
integrations.
 Auto-Pay Reliability:
 Implement a scheduling system using cron-like job queues or KMP-compatible
schedulers with transaction retries and failure notifications.
 Allow users to configure auto-pay buffers, limits, and preferences to reduce
scheduling friction.
 Enhanced Security Measures:
 Integrate OAuth 2.0 for secure access, and use AES encryption for sensitive
transaction data.
 Regular penetration testing, code audits, and adherence to security standards
like PCI DSS or GDPR.
 Scalability and Maintainability:
 Use CI/CD pipelines for automated testing across platforms.
 Modularize documentation and encourage community collaboration for
extensibility.
 2. Macro Implementation Details with Timelines:

Milestone 1 – Planning & Architecture Setup (Weeks 1–3):

Description: Outline detailed requirements for each KMP module as specified in the
project scope. Define overall system architecture and module interfaces, establishing a
modular Kotlin Multiplatform project structure following best practices. Set up the project
repository, shared core, and CI/CD pipeline, and create initial module prototypes to
validate the design.

Key deliverables:

 Architecture design document and technical specifications (including module interfaces

and data-flow diagrams).
 Initialized KMP project scaffold (Gradle setup with empty common and platform-specific
modules).
 CI/CD configuration (e.g. GitHub Actions workflows) and development environment
setup.
 Prototype/stub implementations for each module demonstrating core structure.

Milestone 2 – Core Module Development (Weeks 4–7)

 Description: Implement the core functionality of each KMP component. Develop the
Generic Merchant Payments module with plugin points for merchant SDKs, the Loan
Application Sandbox with mock lender integrations, the Country-specific Integration layer
(routing to local payment gateways), and the Auto-Pay Bills module with scheduling
logic. Follow a multi-module KMP architecture by separating common and platform-
specific code, and write comprehensive unit tests for each module.

Key deliverables:
 Complete source code for all four KMP modules (payments, sandbox, integration, auto-
pay).
  Unit test suites and reports verifying each module’s functionality.
 Updated documentation (module API docs and integration guides).
 Prototype/demo illustrating modules operating independently (sample workflows or
screens).

Milestone 3 – Integration, Testing & Final Review (Weeks 8–10)

 Description: Integrate all modules into the Mifos Pay application and perform end-to-
end testing. Combine the merchant payments, loan sandbox, country-specific
integration, and auto-pay features, validating end-to-end flows (automated bill payments,
lender workflows, regional payment routing). Conduct comprehensive system integration
and user acceptance testing, fix any bugs, and optimize performance. Prepare the final
release candidate and complete all documentation for review.
 Key deliverables:
 Fully integrated Mifos Pay v4.0 build with all features enabled.
 Comprehensive testing reports (unit, integration, UI tests) and resolved issues
log.
 Final documentation (user guide, release notes, developer docs).
 Project summary and review presentation covering final deliverables and next
steps.

Availability

Number of hours available to dedicate to this project per 21 hours

week

Do you have any other engagements that will require your DSA Practice

time? (projects/internships)
About Me:

I am an aspiring Android developer with hands-on experience building real-time apps like a
WhatsApp clone using Jetpack Compose and Firebase.
Proficient in Kotlin and MVVM architecture, I also have working knowledge of C++, Python, and
web technologies.
My development toolkit includes Android Studio, Git, and Firebase for cloud-based backend
integration.
I actively apply modern practices like dependency injection using Hilt and UI design through
Figma.
Always eager to learn, I enjoy creating engaging user experiences and solving problems
through code.

What is your motivation to apply for this project?

My motivation to apply for this project stems from my strong interest in building scalable, user-
focused mobile applications and deepening my expertise in Kotlin Multiplatform development.
Having already worked on real-time apps like a live chatting platform using Jetpack Compose
and Firebase, I’m excited about the opportunity to contribute to a project like Mifos Pay that
drives financial inclusion. The opportunity to develop reusable KMP modules and integrate with
various payment systems resonates with my interest in clean architecture and modular design.
The project provides an opportunity to develop meaningful solutions that enhance digital access
among communities in need, which I find significant. Contributing to an open-source project will
allow me to develop professionally while doing something socially worthwhile.
 Project Name Project Description Links (if any)

Live Chatting App Crafted a clone of Github LInk

WhatsApp to enhance user
engagement through
personalized status updates
and chat capabilities.